ManipalCigna Lifetime Health Plan

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under ManipalCigna Lifetime Health Plan?

For Global and India Plan Sum Insured 2 Cr - Covered up to any roomexcept for the suite or higher category

For Sum Insured 3 Cr Covered up to any room including suite category.

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under ManipalCigna Lifetime Health Plan?

Under this plan, ICU charges coverage is available up to the SI.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under ManipalCigna Lifetime Health Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under ManipalCigna Lifetime Health Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 180 days.

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under ManipalCigna Lifetime Health Plan?

Under Lifetime Health Plan, domiciliary hospitalizations are covered by Up to 10% of the Sum Insured, for expenses incurred in India.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under ManipalCigna Lifetime Health Plan?

This plan covers expenses of all Day Care Treatments, availed in India, covered up to the full Sum Insured.

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under ManipalCigna Lifetime Health Plan?

OPD is covered under the plan.

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under ManipalCigna Lifetime Health Plan?

COVID-19 treatment cover is unavailable under this plan.

A common eye condition in which your vision gets blurred.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan does not cover Cataract Treatment.

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan does not offer a No Claim Bonus.

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan reloads the sum insured amount by 100% for a subsequent and unrelated illness.

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under ManipalCigna Lifetime Health Plan?

Under the plan, Organ Donor expenses are covered up to the SI.

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

• Full infertility
• No fertility
• Infertility diagnosis
• Infertility diagnosis and limited fertility treatment
• Medication (which may or may not include fertility drug prescriptions)

Coverage status under ManipalCigna Lifetime Health Plan?

Not Available

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under ManipalCigna Lifetime Health Plan?

This plan covers Ambulance charges up to SI.

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan covers International Emergency Assistance Services (including Air Ambulance) available up to the full Sum Insured.

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under ManipalCigna Lifetime Health Plan?

Not available

Any kind of medical/health emergency when you are outside of India.

Coverage status under ManipalCigna Lifetime Health Plan?

Hospitalization coverage for major illnesses

Global Pre-Hospitalization expenses covered up to 60 days

Global Post-Hospitalization expenses covered up to 180 days

Global Ambulance cover is available

Global Vaccination covered up to Sum Insured

Advanced and modern treatments are available

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan does cover the expenses for E-consultation if the policyholder opts for Health+ optional package.

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan covers the expenses for Second Medical Opinion for major illnesses if the policyholder opts for the Health+ optional package.

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under ManipalCigna Lifetime Health Plan?

Co-payment is not applicable.